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入世后,表明中国银行业与外资金融机构的全面市场竞争已拉开了序幕。如何提高核心竞争力,建立一个强大稳健高效的金融体系,是亟须解决的问题。国家开发银行行长陈元提议,尽快推动银团贷款,增强信贷融资对经济的支持能力。 目前,中国是以信贷融资为主的金融体系,为了使其更加完善,需要在信贷融资的框架内引进一些证券融资的原现和做法,其中一个重要的方向,就是推动银团贷款。把资本市场的原理运用到银行贷款中,把市场变成有效的、功能强大的、流动的市场。如果将来银团贷款二级市场发展起来,就为进一步的证券化创造了条件。
After China’s accession to the WTO, it shows that the full-scale market competition between Chinese banks and foreign-funded financial institutions has begun. How to improve the core competitiveness and establish a strong, steady and efficient financial system is an urgent problem to be solved. Chen Yuan, president of China Development Bank, proposed to promote syndicated loans as soon as possible so as to enhance the ability of credit financing to support the economy. At present, China is a financial system dominated by credit financing. In order to make it more complete, some of the original and practice of securities financing needs to be introduced within the framework of credit financing. One of the important directions is to promote syndicated loans. Apply the principles of capital markets to bank loans to turn markets into efficient, powerful, mobile markets. If the secondary market for syndicated loans develops in the future, it will create the conditions for further securitization.